This is a sample of B2C website content for a former life insurance client (names have been changed).

LOWER COSTS | BETTER PRODUCTS |  STREAMLINED SOLUTIONS

CFX specializes in managing the unique challenges of obtaining large, sophisticated life insurance products. Purchasing life insurance in amounts of $25 million or more requires a different approach. Tax and legal strategies for high net worth individuals are complex, as are the funding vehicles for these policies, including coordinating risk transfer and the resulting reinsurance blueprints. Many advisors believe that insurance is a one-size-fits-all answer. At CFX, we understand that this is never the case, no matter how large or small the policy.

Our talented professionals have in-depth experience and a proven track record of success. The access we have to specially-priced proprietary products and the buying influence to obtain the best pricing means we make the process straightforward for you and your advisors. CFX also has expertise in large insurance cases for foreign citizens subject to estate tax on U.S. assets.

REINSURANCE

Because all insurance carriers have limits on the amount of insurance they are able to write for one policyholder, each carrier reinsures excess risk when underwriting very large cases. CFX has pioneered a process of acquiring internal retention from multiple companies, then strategically allocating reinsurance directly. Our innovative approach reduces cost, saves time, facilitates more favorable underwriting, and creates superior results for you.

ADVANCED FUNDING STRATEGIES

We can help you and your advisors decide on the most effective strategy for funding large insurance premiums without incurring gift tax. This can include split-dollar and loan arrangements as well as third-party financing strategies. We integrate the implementation of these sophisticated techniques with your team of attorneys, CPAs, and financial advisors.

ADVANCED FEATURES TO IMPROVE PERFORMANCE

We can also construct Private Placement life insurance solutions for qualified individuals and entities with a preferred money manager designated to manage the policy’s cash values. Ask how Private Placement could boost your portfolio.

A SAM MEMBER FIRM—WORKING FOR YOU

CFX is a member of SAM, an elite national insurance buying organization. By affiliating with one of the largest purchasers of insurance in the country, CFX has significant buying advantages.

Our affiliation with SAM also gives us unprecedented access to actuarial experience nationally, especially with respect to large cases. As a result, CFX holds significant leverage in underwriting with major carriers.

The bottom line? We can offer proprietary products that are only available to SAM Member Firms. The result for the large insurance case is exclusive pricing, performance, and products.

SPECIALIZED PRODUCTS AND INSTITUTIONAL PRICING

Realistic comparison pricing is hard to obtain for the large life insurance case. Through our partnership with SAM, we offer pricing and products not available in the general marketplace. For example, SAM mortality pricing, instead of retail pricing, provides distinct advantages when assembling a large case. We also have SAM underwriting support that works directly with insurance company underwriters for the best possible results.

IN-FORCE PERFORMANCE REVIEW | LIFE INSURANCE AUDIT | MARKET STUDY

We have staff specifically dedicated to providing quarterly or annual monitoring of your policies to ensure that actual performance is meeting expectations. Our data shows that nearly 70% of all life insurance policies can be improved. At CFX, you will receive a professional, objective, third-party assessment of the life insurance you own to help you determine if the policies are working as originally designed, performing as they should, and are still appropriate for your financial goals. This service is provided on a fee basis and is an excellent starting point for your sophisticated insurance needs.

WORK WITH THE BEST—CFX

At CFX, our success is measured by your satisfaction and peace of mind. We are happy to provide references and to discuss specifics with you and your advisors.